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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Oh no! I hope it stays mild for you and DD stays free of the dreaded red lines. Plenty of rest and fluids!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20255 -
Thanks @Merlin's_Beard
Just done a bit of cutting up twigs etc and planting some bedding in the garden and have put an express Mr A order in. If I'm at risk of becoming more unwell - I want ice cream in and plenty of food. Going to prepare some food tonight in case I'm too ill to cook later. I've got some more tests. The lines are quite faint - so I could be at the beginning or close to the end...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/254 -
Oh no! Hope you don't feel too rough with it and have a speedy recovery. XMortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,0004
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Hope it stays mild for you xx"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3
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I only tested positive at the end - when I felt awful I was negative - a few days later when I felt fine I did a test as I was going to a church concert ave age was about 200 so thought I’d just check and I had a really feint positive.Sealed pot challenge 822
Jan - £176.66 :j5 -
Hope it's a mild one and passes quickly.Mortgage started 2020, aiming to clear 31/12/2029.4
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Congratulations on the weight loss.
Oh no to the two red lines. Hope it's mild for you or, better yet, that you're at the end.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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It's definitely on the rise again - the Jubilee celebrations and Glastonbury (and similar events) have not helped. Hope it stays mild for you- I tested positive for 8 days and still have a cherry cough, breathlessness and a sniff - but did also have a chest infection at the same time 🙄 xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £204
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Hope you don't feel too bad. I've just had it for the first time and all but one day just thought it felt like a cold. Put me off food for a few days though, which was a bonus 🤣Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!4 -
Hope you feel better soon!'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £41.46/£350
DNF: 1/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'4
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